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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

एनएसपीसीएल से रेलवे: मेरे पास पीएफ और एनपीएस के क्या विकल्प हैं?

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 20, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Asked by Anonymous - Feb 27, 2025English

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मैंने NSPCL से इस्तीफा दे दिया है और रेलवे जॉइन कर रहा हूँ। NSPCL में PF और NPS दोनों मौजूद हैं और रेलवे में सिर्फ़ NPS मौजूद है। मेरे पास क्या विकल्प हैं? क्या मैं PF की पूरी रकम निकाल सकता हूँ?

Ans: नमस्ते;

आप 58 वर्ष की आयु तक PF को यथावत बनाए रख सकते हैं। इस पर कर मुक्त ब्याज मिलता रहेगा।

अन्यथा आप इसे निकालकर NPS में पुनः निवेश कर सकते हैं, लेकिन ध्यान रखें कि 60 वर्ष की आयु से पहले NPS से निकासी अत्यधिक प्रतिबंधित है।

शुभकामनाएँ;

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 22, 2024

Asked by Anonymous - Sep 21, 2024English

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नमस्कार सर, मैं लगभग 11 वर्षों से एक निजी संगठन में काम कर रहा हूं और मेरे पास एक ही यूएएन के साथ 2 पीएफ खाते हैं, अब मैंने संगठन छोड़ दिया है और पीएफ पेंशन सहित पूरी पीएफ राशि निकालना चाहता हूं, क्या यह संभव है?

Ans: यदि आपके पास 2 EPF खाते हैं, लेकिन केवल एक UAN है। आप इन चरणों का पालन करके अपने EPF खातों को मर्ज कर सकते हैं और अपना पैसा निकाल सकते हैं:
अपने पुराने खातों से शेष राशि को अपने सबसे हाल के खाते में स्थानांतरित करें।
अपने पुराने और नए खातों को एक खाते और UAN में मर्ज करें।
अपने बैंक खाते, PAN और अन्य जानकारी को सत्यापित करके KYC (अपने ग्राहक को जानें) को पूरा करें।
EPF कॉर्पस निकासी प्रक्रिया शुरू करने के लिए फॉर्म 19 भरें।

T S Khurana |471 Answers |Ask -Follow

Tax Expert - Answered on Dec 03, 2024

Question by Sivasatyanarayana - Dec 03, 2024English

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नमस्ते सर मैंने वर्ष 2010 में महिंद्रा सत्यम में काम किया था लेकिन मैंने अपना पीएफ नहीं निकाला है। मेरे पास केवल मेरा पुराना प्रकार का पीएफ खाता नंबर और पैन नंबर है। क्या आप इस संबंध में मेरी मदद कर सकते हैं?

Ans: कृपया अपनी समस्या के समाधान के लिए अपने पुराने नियोक्ता या पीएफ आयुक्त से संपर्क करें। आप बिना किसी परेशानी के हमेशा अपना बकाया दावा कर सकते हैं। हालाँकि, इसके लिए आपको कार्यालय के कई चक्कर लगाने पड़ सकते हैं। किसी भी अन्य स्पष्टीकरण के लिए आपका स्वागत है। धन्यवाद।

नवीनतम प्रश्न

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Asked by Anonymous - May 19, 2025

Career

BMSIT and RVITM which is better

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Asked by Anonymous - May 19, 2025

Career

Sir my son got 64.2 in XIIth board and has given jee advance under pwd category. Suppose if he qualifies for jee advance will he be entitled for admission in IIT

Ans: Yes, your son can still be eligible for IIT admission under the PwD category even if his 12th board marks are below 75%.
The 75% board marks eligibility criteria is relaxed for PwD candidates by JoSAA.

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Asked by Anonymous - May 19, 2025

Career

My son got 18042 CRL in JEE mains. Which best college he can get for CSE

Ans: Category? Home State? Percentile?

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Question by satyakumar - May 19, 2025

Career

My son got CSE in VIT and CSE UPES D, which one to prefer?

Ans: Go for VIT

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Question by rajeev - May 19, 2025

Career

Sir which architecture college is best between manipal architectural jaipur and appjee greaternoida

Ans: Manipal Jaipur > APPJ Greater Noida

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Asked by Anonymous - May 19, 2025

Career

Hello My daughter got 85%in cbse 12th Non med No she has option to go for US degree in CS at University of California riverside and CSE Shiv Nadar nodia , I am not sure if it's worth spending for US degree or shiv nadar is better .

Ans: US degree = global exposure + higher investment

Shiv Nadar = excellent Indian private university + cost-effective

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Question by Sandip - May 19, 2025

Career

Sir i have 93.25 percentile in 2025 with 100428 Crl and 14364 ews rank and get 23000 rank in viteee and home state is rajasthan i want Cs then which college is best in this percentile

Ans: Apply in private universities like SRM, Amity, Shiv Nadar for better CSE chances.

Use VITEEE for VIT campuses, though CS is competitive.

Consider improving your rank next year for better NIT CSE options.

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Question by Nilkamal - May 19, 2025

Career

My daughter got 85 percentile in Jee mains in general category and got cse in kiit , Dayanand sagar university and lpu. Waiting for counseling in vit-ap and Bhopal. Which institute will be best for my daughter for cse ? Can she hope for any NIT in cse ? We are from Assam.

Ans: she may get non-CSE branches (like Civil, Chemical, Metallurgy) at:

NIT Mizoram

NIT Nagaland

NIT Arunachal Pradesh

NIT Meghalaya

Among KIIT, DSU, LPU (CSE): Order of Preference
KIIT – Better track record in CSE placements, dedicated tech fests, better peer group.

DSU (Dayananda Sagar University) – Decent Bangalore-based exposure, growing brand.

LPU – Large campus, mass intake. CSE is okay but placements vary widely.
If she gets CSE at VIT-AP or VIT-Bhopal, then the updated order would be:
VIT-AP > KIIT > DSU > VIT-Bhopal > LPU

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Asked by Anonymous - May 19, 2025

Career

My son get 77.91 in jee mains with sc catogery, have any chance for any nit or iit

Ans: With 77.91 percentile in JEE Main and SC category, your son may have a chance in some NITs through JoSAA counselling, especially in the lower or newer NITs and in less sought-after branches like:

Civil Engineering

Mechanical Engineering

Metallurgy

Chemical Engineering

Possible NITs (based on past trends and SC category):
NIT Mizoram

NIT Sikkim

NIT Nagaland

NIT Puducherry

NIT Arunachal Pradesh

NIT Agartala

Dr Dipankar Dutta |1328 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 20, 2025

Question by Satish - May 19, 2025

Career

Sir, jee mains score is 83.6.... IPE score 971 but tseamcet score is 117000, which college can we expect with OBC female quota

Ans: Through TS EAMCET (Primary route in Telangana):
At 117000 rank, with OBC female quota, you may get lower or mid-tier private colleges, but CSE/IT/ECE in top colleges is unlikely.

You may get branches like:

EEE, Civil, Mechanical, or even ECE in some colleges.

Possible Colleges (Tentative):
Sreyas Institute of Engineering & Technology, Hyderabad

Vignan Institute of Technology and Science, Deshmukhi

CMR Institute of Technology, Medchal (non-CSE branches)

Malla Reddy College of Engineering & Technology, Hyderabad

Holy Mary Institute of Technology & Science, Bogaram

Bharat Institute of Engineering & Technology, Ibrahimpatnam

St. Martin’s Engineering College, Dhulapally

Anurag Engineering College, Kodad

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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